Relationship Manager, Commercial Banking Centre - Miri MY

CIMB; Malaysia; On-site; MYR 150,000 - 200,000; Full time

Job summary

A leading financial institution in Malaysia is seeking a Relationship Manager to enhance customer profitability and formulate account strategies. This role involves being the primary contact for clients, developing professional relationships with key decision-makers, and conducting financial analyses. Successful candidates will be proactive in identifying business opportunities and ensuring the quality of customer assets. This is a full-time position offering significant responsibilities in a dynamic banking environment.

Responsibilities

• Conduct customer profitability analysis and account strategy formulation.
• Serve as primary contact person for customer queries.
• Develop and maintain professional relationships with key decision makers.
• Identify business opportunities and seek new prospects.
• Perform financial and risk analyses, submit credit proposals.
• Coordinate with product lines for overall portfolio development.
• Conduct periodic health checks on customer portfolios.
• Monitor asset quality and initiate recovery actions.
• Ensure credit files are properly maintained.

Job description

Malaysia

Be the First to Apply

Job Description

• Conduct customer profitability analysis and account strategy formulation with the help of product specialists, as required, for both existing and potential clients. Execute the account strategy plan including cross-selling activities or phase-out activities.
• Be the first-line primary contact person for the customer on all queries relating to credit, deposits and other products and services including on operational issues.
• To develop and maintain professional customer relationships with key decision makers (viz. CEO, CFO, Head of Treasury, Head of HR etc).
• To develop new business relationships by identifying suitable prospects and using various means of communication and visits to seek out suitable business opportunities . Understand Know-Your-Customer processes involved and carry out proper due diligence when on-boarding a new customer.
• To perform financial & risk analysis, evaluation and decision-making and to submit well written credit presentations/memos/proposals for approval by the relevant Approving Authoritybased on the rules, regulations, policies, procedures and guidelines of the Bank and those of relevant regulatory authorities, as applicable.
• Coordinate with other product lines, departments and units for overall development of the portfolio including tapping on cross-selling opportunities as well as ensuring prompt and proper delivery of relevant services.
• To conduct a periodic health check on the portfolio of customers including but not limited to an annual review of the credit-worthiness of existing borrowing/financing accounts, to ensure and to confirm that all legal /security documentation is intact and legally enforceable, insurance policies are current and renewed on expiry, in addition to ensure that data is correctly and accurately updated in the system after disbursement or any changes requested.
• To proactively monitor the asset quality of customers in the portfolio by detecting early warning signs and to promptly undertake or initiate debt/ financing restructuring, rescheduling or legal recovery action, as applicable.
• To undertake any other related tasks as determined by the management of the Bank from time to time.
• To take accountability in ensuring credit files are properly maintained.

Job Info

• Job Identification 30641
• Job Category Relationship Management
• Posting Date 07/09/2025, 01:34 PM
• Job Schedule Full time